Dear Rick,

We’ve known you for over 24 years now. We were referred to you by a mutual friend and have been with you since. We were both so young when we came to you and we had no idea what investments, RRSP, etc meant to us. After sitting with you for just a couple of hours we were on the road to putting away a nest egg for our future. You made it so simple for us to understand what the different types of investments meant or how they worked for the long run. You would always consult us where to invest our money and when we should touch any of it if we had to. You would always reassure us that we were doing fine. You were always available to answer any questions we had.

Even at one point when the market had fallen, you called us and told us not to panic and to wait it out and sure enough you were right and the market picked up again. Through the years, not only have you been an awesome financial adviser but also a true friend to us. You would often call to see how we were doing and visit us on occasion. As my children often put it, you were part of our family.

We are truly grateful that you explained to us how important it was to get life insurance at a young age when we did because now that my husband is very sick no insurance company will look at us.

I work for a company that provides an RRSP program for retirement and one of the financial advisors had looked over our profile that you have provided for us over the years and he was truly amazed at how you invested our money in different areas and told me not to change a thing. Thank you.

On a personal note, please feel free to use us as a reference for any of your clients. Rick, you have always been here for us on a personal note as a true friend and on a business note as our financial advisor. Thank you so much.

Yours Truly,

Marg & Victor Ciaraldi

Dear Rick,

We want to thank you for your help and advice in planning insurance coverage for our family. Through your guidance and comments, we had the opportunity to gain significant knowledge about insurance options available and how to choose the best for our particular situation.

We decided to follow your recommendations for life insurance options, and we feel very comfortable with our decision. The coverage we have is exactly what we need to mitigate the financial risk associated with unexpected situations, and we look forward to continuing our relationship with you.

Please do not hesitate to use us as a reference with any potential clients who may be hesitant in sorting out their financial security under your watchful guidance.

Victor Blandon, P. Eng.                  Alexandra Perez
Quality Assurance Specialist            Market Research Analyst

“Rick is an honest, reliable Advisor who provided me with excellent insurance advice. He has been extremely helpful in explaining the intricacies of my critical illness insurance policy and the benefits it will return to me in the future. Through in person meetings and correspondence over email I have learned a lot from Rick about the insurance policy process.

His no nonsense approach and relaxed style makes it very easy to learn and ask questions. What makes the process so much more special is the fact that Rick shows genuine interest in what I’m doing and what my goals are. In a time where Advisors are all about the numbers this is a refreshing experience to go through.”

Shawna-Marie Harper

“Rick was very thorough in his research. He was able to identify the practical aspects of each policy prior to making any firm recommendations. This included, but was not limited to, different potential scenarios as well as complications and benefits. He made everything very simple. Simple explanations were given to us in laymen’s terms. This was a huge benefit to someone like me who has had very limited exposure to the world of insurance.

His straightforward practical approach made the decision making process very easy and very clear. His style and delivery in person made it easy for me to learn Critical Illness Insurance and how it varies with different companies. I learned about the process that takes place when setting up a policy and even picked up some knowledge about the underwriting process. This same approach made it very comfortable for me to discuss personal matters as well.

I have only dealt with one other insurance company in the past and they were far less thorough compared to Rick. They essentially skimmed through the pages of the policy for me before I even had a chance to review it myself. Rick took the time to guide me step-by-step through each part of the policy in detail.”

Leslie Harper

“Rick is a very knowledgeable Advisor. His expertise and product knowledge gave us peace of mind that a lot of thought was put into the products he presented before meeting with us. He presented various options to us in a clear and concise manner. Information was broken down for us, rather than overloading us with facts. It was nice that he did all of the leg work for us which made the experience even better.

We like Rick’s easy going personality. This eased any fears we had when asking questions. Rick made himself available for us for face-to-face meetings. It was a pleasant surprise for us that he took the time to meet us at our home even though his office is nowhere near us. He understands what it’s like to have a young family and how busy we can be.”

Rosemary Pavlic

“I found Rick to be very knowledgeable in all areas of Life Insurance. His knowledge and experience was the main reason I purchased Critical Illness Insurance.

Through conversations with Rick, I was able to learn a lot about why Critical Illness Insurance was right for me. He was patient with me when explaining all of the options available to me and he encouraged questions in order for us to have open dialogue. I found Rick’s approach to presenting insurance options to be very pleasant and creative. If anyone can make insurance sound like fun, it is Rick. His informative presentation was filled with appropriate examples that I found very effective.

During our meetings, Rick created a relaxed environment facilitating exchange of information and ideas and encouraging my questions.”

Dorothy Hagel
Barrister and Solicitor


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